[BUG] Annual Pro → Max upgrade blocked: billing address match required for credit transfer conflicts with card's AVS address — structural deadlock with no user-side resolution

Preflight Checklist

• [x] I have searched existing issues and this hasn't been reported yet
• [x] This is a single bug report (please file separate reports for different bugs)
• [x] I am using the latest version of Claude Code

What's Wrong?

Attempting to upgrade from annual Claude Pro to Max (1 month) fails with an
"address changed" error despite entering the correct address. Root cause
identified: two separate address validation checks are running simultaneously
and they require two different addresses — making it structurally impossible
to satisfy both from the user side.

Two Conflicting Requirements

1. Anthropic's credit transfer policy (documented at support.claude.com/en/articles/11049741):

"To receive your credit, the billing address used to purchase your Max plan
must be the same as your previous subscription's billing address."
→ Requires address to match the original annual Pro purchase.

1. Stripe AVS validation:

→ Requires address to match the card issuer's bank records.

My annual Pro subscription address and my card's registered bank address are
different. I cannot satisfy both simultaneously. No card entry will ever pass
both checks at once. This is a deadlock that cannot be resolved from the
user side.

What Should Happen?

Upgrade from annual Pro to Max should proceed with prorated credit applied,
regardless of whether the user's card bank address has drifted from their
original Pro subscription address. The credit transfer address check and AVS
are both legitimate fraud controls individually, but running them as a hard
AND requirement creates an irresolvable deadlock for users in this situation.

Requested resolution: Manual application of remaining annual Pro credit
toward one month of Max, processed by billing team without requiring
address match on both systems simultaneously.

Error Messages/Logs

Address_changed

**Related Issues**

- #55917 (Pro → Max upgrade failure)
- #56281 (Max 5x → Max 20x upgrade failure, support unresponsive)
- #55266 (Unable to update subscription, same backend 400 pattern)
- #56338 (Annual Pro credit disappeared mid-Max consumption)

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**Impact**

Paying annual subscriber unable to access a higher tier despite having 
prepaid credit balance. No self-service resolution path exists. Support 
unresponsive.

Steps to Reproduce

1. Hold an active annual Claude Pro subscription
2. Have a card whose registered bank address differs from the address used

on the annual Pro subscription

1. Navigate to Settings → Billing → Upgrade to Max
2. Enter the annual Pro subscription address → Stripe AVS fails (bank address

mismatch)

1. Enter the bank's card address → Anthropic credit transfer check fails

(Pro subscription address mismatch)

1. No combination of address entry resolves both checks simultaneously

Claude Model

None

Is this a regression?

I don't know

Last Working Version

_No response_

Claude Code Version

N/A — this is a claude.ai billing issue, not a Claude Code CLI issue. Filing here as it is the only actively monitored Anthropic GitHub repository.

Platform

Other

Operating System

macOS

Terminal/Shell

Other

Additional Information

Region/country - Zimbabwe
Conversation ID : 215474158980050